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Car Insurance in Columbus, OH (June 2023)

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The cost of living in Columbus is low, and there is a wide range of employment opportunities. Columbus, Ohio, has a lower cost of living than the country as a whole. Health care, housing and utility costs are all significantly less expensive in Columbus than the national average. However, the weather might throw you under the bus. Car insurance premiums will rise as a result of your poor driving quality.

Whether you live in the downtown or outskirts, can assist you in getting car insurance where you have got nothing to compromise with. Get a free car insurance quote in Ohio today.

How Much Does Car Insurance Cost in Columbus?

Columbus Rates Vs Ohio Vs United States Averages

In Columbus, auto insurance costs an average of $1,175 per year, which is higher than the Ohio average ($1,055) and higher than the national average of $1,557. Our car insurance guide in Ohio includes average rates based on age, credit score, driving history, and marital status.

Columbus (annual average) Ohio (annual average) United States
$1,175 $1,055 $1,557

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What Would Increase Your Car Insurance Rate InColumbus?

Each ZIP code has its own unique crime, theft, and uninsured-vehicle rates. Car insurance companies may consider you a higher risk than a neighbor down the street if you live in a bad neighborhood that doesn't get along with its residents. As if that weren't bad enough, Columbus is no exception.

Auto Theft Statistics In Columbus

According to the UCR Program, property crimes are offences involving the taking of money or property without the use of force or the threat of force against the victim. Burglary, larceny-theft, and vehicle theft are all examples of property crime.

Between the second quarter of 2017 and the second quarter of 2018, the number of larcenies/thefts, burglaries, and thefts of motor vehicles decreased.

Thefts of motor vehicles fell by 0.3% in the second quarter of this year. Thefts of motor vehicles decreased in Cincinnati, Cleveland, and Toledo.

Burglaries decreased by 16.7 percent. There has been a decrease in burglaries in Akron and Canton as well as Cincinnati, Cleveland, Columbus, and Toledo.

The second quarter of 2018 saw an 8.1% drop in larceny/theft offences. Total larceny/theft offences in Canton, Cincinnati, Cleveland and Columbus were decreased.

Accidents Statistics In Columbus

A total of 1,236 people is died in car accidents in Ohio in last years, according to the data from the Ohio State Highway Patrol. More than 53,000 people have been injured in more than 100,000 distracted driving accidents in the state since 2013.

Useful Info For Driving in Columbus

Contrasting experiences can be found in every corner of Ohio, from the bustling cities of Cincinnati and Cleveland to the peaceful rural towns of the Amish Country.

  • Make the most of your journey while avoiding fines and other penalties by familiarizing yourself with the local traffic laws ahead of time.
  • In addition to yielding at crosswalks and intersections, drivers must also yield to pedestrians who are crossing the street illegally.
  • When a driver is under the age of 18, all passengers must wear a seatbelt, regardless of whether or not the driver is in the front seat.
  • Child safety seats must be used for children aged 4 to 8, booster seats for children aged 4 to 8, and seat belts for children aged four to fifteen for those aged four to eight.
  • If the traffic signal does not indicate otherwise, turning right at a traffic light is permitted if the vehicle has come to a complete stop and the driver has checked that it is safe to proceed before making the turn.
  • Make sure to adjust your speed to the weather and road conditions when driving in Ohio. Non-freeway highways in the state of Ohio are permitted to have 70 mph speed limits.
  • Motorists in Ohio are required to check for visibility of up to 500 feet in both directions before making a U-turn. Make sure to check out the law in the city you're visiting or avoid U-turns entirely while driving in densely populated areas if you plan on making a U-turn.

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Car Insurance Companies in Columbus

If you drive and own a car, you need auto insurance not only for your protection but also because Ohio state law requires it. These are the top car insurance companies in Columbus:

Car Insurance Companies in Columbus
Esurance USAA
Progressive Statefarm
Merchants Insurance Group Founders
Dairyland Allstate
Farmers Erie
21st Century National General
Grange Insurance Association Travelers
The Hartford Kemper
Auto-Owners Frankenmuth
Encompass MetLife
Stillwater Hastings Mutual

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


Who has the cheapest car insurance in Columbus Ohio?

In Columbus, Erie has the lowest premiums for the average insurance buyer.

How much is car insurance in Columbus per month?

On average, drivers in Ohio pay $328 per year for minimum coverage and $1,034 per year for full coverage insurance. That works out to about $27 a month for minimum coverage and $86 a month for full coverage, respectively.

How to find cheap full coverage car insurance Columbus Ohio?

If you are looking for affordable insurance premiums, you may visit Way provides you with the best insurance quotes in your neighborhood.

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